How does applewallet understand that I am making payments in Crimea?

Question

iOS

Visa and Mastercard work in Crimea, but ApplePay categorically does not want to work
Question - how does he understand that I am in Crimea?

1. RNKB Bank - aka All-Russian, including in Moscow
2. Geolocation in the apple wallet is disabled
3. IP via VPN

It turns out that Apple is still following me without my knowledge ..?

Answer 1

RNKB Bank is under sanctions and is not in apple pay. exile

Answer 2

For example, by the purpose of the payment or by the current telecom operator.

Answer 3

> geolocation is disabled
You don't think it's naive that by disabling geolocation, the iPhone obediently turned off gps and stopped determining the location by base stations? Here is your answer.